If you need professional help to manage your current serious debt, a Christian debt management company such as Charity Fellowship, that has been in the business of debt relief for over 15 years, can provide the proven techniques to raise you out of your stifling dilemma and give you back your life without the constant harassment and sleepless nights caused by overwhelming debt.

They can employ the debt relief services that will enable you to get out of credit card debt, stop those extremely annoying collection calls and threatening letters from debt collectors, protect you against foreclosure of your home or repossession of your vehicle that you desperately need to get to work, and get those loans off your record as quickly as possible.

Additionally, if you have been a predatory lender's victim, they will show you how to be legally entitled to as much as $500,000 for the suffering you have been put through. If loans are made illegally, lenders are not legally allowed to collect them. A letter is sent to debt collectors or mortgage companies stating that your debts are perjurious or fraudulent, and the companies are required to stop their collection methods. If they do not comply, you could be eligible for that up to $500,000 in compensation.

Companies also might try to collect debts after the expiration dates. Every state has a statute of limitation governing debt collection that usually ranges from five to eight years. After that time, you cannot be compelled to pay that debt.

It is the mission of such a company not only to aid with monetary problems and financial difficulties but also to counsel people to help them solve their existing problems. It is also important to be a friend and be someone to talk to in a reassuring and knowledgeable way as well as being an appreciated source of food, housing, or clothing for the person and his or her family.

This type of organization can lead the way and show individuals and families how to use the Fair Debt Collection Practice Act (FDCPA) in simple and effective ways to clear away and clean up their old debts no matter what your credit may be, re-establish themselves and their credit, and build a new and secure financial future.